4981 SPINET DRIVE, MELBOURNE, FL, 32940
Active41 days on marketListed Jun 12, 2026MLS #O6416419
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About this home
4981 SPINET DRIVE
**This house comes with a REDUCED RATE through the seller's preferred lender. This is a lender-paid rate buydown that reduces the buyer's interest rate and monthly payment.**BEST VALUE IN GRAND HAVEN! Why wait months for new construction when you can move right into this beautifully updated executive home offering 2,862 square feet, a 2020 roof, 2021 A/C systems, 2024 energy-efficient solar panels, and a private fully fenced backyard—all in one of Viera's most desirable communities. This MOVE-IN READY two-story home features 4 bedrooms, 2.5 bathrooms, a flexible bonus room, an upstairs loft, and a 2-car garage with an EV charger, offering the ideal layout for today's lifestyle. The light-filled interior showcases volume ceilings, decorative ceiling beams, and a spacious living area that flows seamlessly into the gourmet kitchen with quartz countertops, custom cabinetry, stainless steel appliances, a center island, and TWO walk-in pantries. Upstairs, the oversized primary suite offers two walk-in closets and a beautifully appointed ensuite bath with dual vanities and a walk-in shower. Three additional bedrooms and a versatile loft provide plenty of space for family, guests, or a home office. Step outside to your own backyard retreat featuring an expansive patio, gazebo, manicured landscaping, and plenty of room to add a pool while still maintaining generous green space for entertaining, pets, and play. Unlike many new construction homes, you'll enjoy the charm of an established community, mature landscaping, immediate move-in availability, and major system updates already completed for added peace of mind. Grand Haven residents enjoy a low HOA and outstanding amenities including a clubhouse, tennis, pickleball, basketball and volleyball courts, playgrounds, scenic lakes, parks, and miles of walking and biking trails. Conveniently located just minutes from The Avenue Viera, top-rated schools, golf, beaches, Patrick Space Force Base, major aerospace employers, the Pineda Causeway, and I-95, this home offers the perfect combination of lifestyle, convenience, and exceptional value.
Facts & features
The home at a glance
4
Bedrooms
2.5
Bathrooms
2,862
Sqft
0.15 ac
Lot size
2
Garage
2003
Year built
Two
Levels
$197
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record and the real association fee — not generic estimates.
$3,871 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$3,871/mo
Includes estimated PMI — it drops off once you reach 20% equity. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
Where it sits
Inside Melbourne
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Melbourne. See the full Melbourne guide →
MELBOURNE 32940 — neighborhood snapshot
Population
49,288
Median age
48.1
Median income
$106,511
Median home value
$444,100
Avg household
2.42
Households w/ children
5,209
For the school run
Brevard County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Melbourne market
$404K → $320K
Melbourne median sold, yr/yr
97.9%
Sale-to-list ratio (12 mo)
Median sold price, Melbourne, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 20% above the MELBOURNE 32940 median. See the full Melbourne market guide →
Paper trail
This home's history
Your home team
The pros in your corner
Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.
Your agent
David Ramirez
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 4981 SPINET DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 4981 SPINET DRIVE — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to David's phone and CRM.
Straight answers
4981 SPINET DRIVE FAQs
What would the monthly payment be for 4981 SPINET DRIVE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $3,871/mo — principal and interest, the actual property-tax bill, the $40/mo association fee and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.
How much are the HOA fees at 4981 SPINET DRIVE?+
The association fee works out to $40 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 4981 SPINET DRIVE?+
The most recent tax bill on record (2025) was $4,938. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Are pets allowed at 4981 SPINET DRIVE?+
The listing reports pets: Yes. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.
How does the price compare to other homes in Melbourne?+
At $564,900, this home is listed about 40% above the Melbourne median of $404,555. The market section on this page shows how the area is trending.
Which schools are assigned to 4981 SPINET DRIVE?+
Viera High School (high), Manatee Elementary School (elementary), John F. Kennedy Middle School (middle) — Brevard County School District. Always verify school assignments with the district before relying on them.
The brief
Four things that matter here
01Positioned at the premium end
$564,900 runs 20% above the MELBOURNE 32940 median — but at 2,862 sqft it's also 65% larger than the typical Melbourne listing.
02Garden & Trees/Woods views
The garden and trees/woods view is part of what you're buying — views hold value independently of the structure.
03Strong assigned schools
Viera High School, Manatee Elementary School, John F. Kennedy Middle School — Viera High School rates 4 of 5. Always verify assignments with the district.
04The price has already moved
Listed at $579,000, now $564,900 — a $14K cut. The full history is in the market section below.
Listing courtesy of KELLER WILLIAMS REALTY AT THE PARKS · Thomas Nickley, Jr. MLS #O6416419.
IDX information is provided exclusively for consumers’ personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data is deemed reliable but is not guaranteed accurate by Stellar MLS.
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